Long Term Care Insurance
Most long term care insurance policies cover in home care services. However, coverage may vary from provider to provider. It is best to determine if the care you need is covered and what, if any are the limitations of the policy. Be sure to review your policy carefully for deductibles, out of pocket expenses, annual and life time limits. When inquiring with the insurance company be sure to specify the services you are inquiring about.
If you need assistance, we can help you research a policy to determine what services are included. We can also help you prepare and negotiate insurance claims.
Medicare
Medicare does not pay for home care services alone, unless therapeutic or skilled care is also required and the patient is under a doctors care. We can help you determine if you or a family member is eligible for Medicare. To learn more about Medicare and what in home care services Medicare covers please visit: http://www.medicare.gov/Publications/Pubs/pdf/10969.pdf.
Out of Pocket
Out of pocket does have its advantages. Namely, there are no limitations
on services and clients may order precisely the care that fits their needs.
If needed, we can work with you to determine a payment plan. Please give
us a call or complete our Contact form to discuss
these options.
